Tax-smart income planning, custom portfolios (no mutual funds), and coordinated estate/tax work—with custody at Charles Schwab. Serving Arizona, Michigan & Texas.
A simple three-step process to get your retirement on track.
We'll clarify your goals, timeline, and what financial success looks like for your retirement.
A Monte Carlo simulation stress-tests your plan and maps out tax-aware withdrawals.
We execute your plan and schedule regular reviews as life changes.
Comprehensive retirement planning tailored to your needs.
Strategic withdrawal sequencing to help optimize your retirement income and minimize tax burden.
Individual stocks & ETFs—no mutual funds. Know exactly what you own with full transparency.
Proactive volatility management designed to give you peace of mind in any market.
Integrated estate and tax planning to protect your legacy and ensure smooth wealth transfer.
Investing involves risk, including loss of principal. No guarantee of returns. Schwab provides custody; SG Wealth Managers is not affiliated with Schwab.
Our fee structure is simple and transparent—no hidden costs or surprise charges.
6+ years helping Arizona families transition from saving to spending—a completely different financial challenge.
Our team works on salary, not commissions. Your advisor's income doesn't depend on selling you products.
Estate attorney and CPA partners work directly with your plan—everyone stays on the same page.
Scottsdale office serving Phoenix, Mesa, Gilbert, and Gold Canyon. Virtual service available in Michigan & Texas.
Not in Arizona? We also serve clients virtually in Michigan, Texas, and other states where registered. View all service areas →
Led by founders Eric Gomez and Matthew Saber, CFP®, our team brings decades of experience from institutions like JP Morgan Chase and USAA. What sets us apart? Every advisor receives a salary—not commissions—ensuring advice is always in your interest, not ours.
Beyond investments, we've assembled a complete professional team under one roof. An estate planning attorney coordinates directly with your plan. When tax questions arise, our CPA partners join the conversation, so everyone stays on the same page.
Answers to the questions we hear most from prospective clients.
Schwab is a member of SIPC; if SIPC limits are ever exhausted, Schwab carries excess SIPC coverage (market losses aren't covered). Additionally, as an independent RIA, we never take custody of your assets—Schwab holds them directly in your name. If something were to happen to SG Wealth Managers, you maintain full access to your accounts through Schwab.
Ongoing planning, reviews, Monte Carlo & situational stress tests, tax-aware withdrawal modeling, Social Security/Medicare guidance, and coordination with your attorney/CPA (their services billed separately if engaged). We also provide quarterly portfolio reviews, annual tax-loss harvesting analysis, RMD calculations and management, beneficiary reviews, and unlimited phone/email support.
No. We build portfolios with individual stocks & ETFs. Clients pay our advisory fee and ETF expense ratios. This approach eliminates hidden fees like 12b-1 fees and sales loads common in mutual funds. More importantly, you'll know exactly what companies you own, providing transparency and peace of mind during market volatility.
Three key differentiators: First, we have an estate planning attorney in our office—not just a referral partner. Second, our advisors work on a salary, not commissions, removing any conflict of interest. Third, we specialize exclusively in retirement distribution planning, not accumulation.
Unlike firms that simply refer you out, we facilitate three-way conversations. When tax planning questions arise, we'll include your CPA (or ours) in the discussion. For estate planning, our in-house attorney can review your existing documents and coordinate with your plan. Everyone stays on the same page, working from the same financial projections.
We offer a no-obligation introductory call to see if we're a good fit.
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